Health Insurance for Professional Athletes

When you step onto the court, pitch or course as a professional athlete, you put your body on the line. If you lose your ability to compete, this can have a serious impact on your income. Even a minor disability is potentially a major problem.

Whether your injury is contact-related, repetitive motion-related or even career-ending, you need to protect yourself. Even if you are not one of the highest-paid professional athletes, you need to protect your salary. Professional athlete insurance provides vital, comprehensive benefits such as:

  • Coverage for career-ending injuries
  • Coverage for loss of income due to disability
  • Financial protection in the event of accidents or illnesses

With professional athlete insurance, individuals can pursue their athletic dreams with confidence, knowing that they have a safety net in place to protect their financial future and well-being. Simply fill in our quick form and we can find you the best professional athlete insurance deals on the market.

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What Should I Look for in a Professional Athlete Health Insurance Policy?

You want the best possible treatment that will protect your livelihood and get you back to work ASAP. When shopping around, make sure you find the best health insurance policy that, in the event of an injury, will cover:

  • You
  • Your projected future earnings
  • Cost of an agent or a manager
  • Lost contract completion
  • Loss of endorsements
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_Health Insurance for Professional Athletes

Am I Considered a Professional?

Many providers class professionals as those receiving any fee, whether it’s a donation or ‘benefit in kind’ from participation in their sport. ‘Participation’ is seen as playing, coaching, or training at club, county, national or international levels.

Do I Need Professional Athlete Health Insurance?

As a professional athlete, you will want disability insurance. Whether you are starting out or in the prime of your career and in need of high-limit coverage. Getting the right policy is vitally important.

The underwriting of athletic disability insurance is not usually handled by traditional insurance providers. In some sports like golf and tennis, top athletes often buy/arrange their own insurance. However, insurance may be offered to you as part of your contract.

What Are The Exclusions With MediCompare?

Professional Athlete Health Insurance have similar exclusions to the health insurance policies mere mortals receive. Exclusions can run from GP service to general dental practitioner and vision testing to sleep disorders.

This is where reading the small print or the Terms and Conditions is so important.

But, There Are Some Pre-Existing Conditions That Can Be Covered…For a Price.

Pay an additional premium to extend your cover to include some pre-existing conditions.

The list will most like differ from provider to provider and in some cases, you may choose up to two of their outlined conditions.

One provider included examples or groupings that would be allowed such as acne and diabetes or asthma and hypertension.

Generally, there is an annual limit of what the providers will cover cost-wise for these conditions. Usually around £1,000*.

And usually, this limit will roll-up year after year to a maximum of £10,000 over 10 years. In most cases, this roll-up is only allowed if you have taken no breaks in your coverage during that period.


What Determines the Cost my Professional Athlete Health Insurance?

The cost of professional athlete health insurance can vary depending on several factors such as:

  • Age and Health: The age and overall health condition of the professional athlete can impact the cost of insurance. Younger and healthier individuals typically have lower premiums as they are considered to have a lower risk of medical issues.
  • Coverage Limits: The level of coverage and the specific benefits included in the insurance policy will affect the cost. Policies with higher coverage limits and more extensive benefits may have higher premiums.
  • Sport and Injury Risk: The nature of the sport and the associated risk of injuries can influence insurance costs. High-contact or high-risk sports may have higher premiums due to the increased likelihood of injuries and potential medical expenses.
  • Policy Deductible: The deductible is the amount that the insured athlete needs to pay out of pocket before the insurance coverage kicks in. Generally, higher deductibles result in lower premiums, while lower deductibles will lead to higher premiums.
  • Insurance Provider: Different insurance providers may have varying pricing structures and underwriting criteria. It’s advisable to compare quotes from multiple insurance companies to find the most competitive pricing for the desired coverage.
  • Additional Coverage: Some athletes may opt for personalised coverage or additional riders to cater to their specific needs or circumstances. These customised options can impact the overall cost of the insurance.

How Can I Reduce the Cost of My Insurance?

Excess – Choose a higher or larger excess. The policy ‘excess’ is the amount that you agreed to pay towards the cost of a claim.

Private Hospital – Choose one of the lower-level private hospitals that still offers excellent care but not all the extras.

Team Insurance – Sometimes a provider can arrange to cover an entire team. This then lowers the cost of each athlete’s policy.

Pre-Existing Conditions – Do not include the pre-existing conditions option.

See also sports team insurance.

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